The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,313,461 14,475 SH SOLE 0 0 14,475
AMAZON COM INC COM 023135106 3,375,609 14,163 SH SOLE 0 0 14,163
AMERICAN WTR WKS CO INC NEW COM 030420103 263,160 2,000 SH SOLE 0 0 2,000
AMGEN INC COM 031162100 986,777 2,725 SH SOLE 0 0 2,725
APPLE INC COM 037833100 22,503,866 77,771 SH SOLE 0 0 77,771
BANK AMERICA CORP COM 060505104 316,808 5,560 SH SOLE 0 0 5,560
CVS HEALTH CORP COM 126650100 413,800 4,000 SH SOLE 0 0 4,000
COCA COLA CO COM 191216100 4,138,024 50,917 SH SOLE 0 0 50,917
DANAHER CORPORATION COM 235851102 474,866 2,493 SH SOLE 0 0 2,493
DEERE & CO COM 244199105 319,702 504 SH SOLE 0 0 504
DISNEY WALT CO COM 254687106 373,738 3,883 SH SOLE 0 0 3,883
GENERAL DYNAMICS CORP COM 369550108 619,920 1,750 SH SOLE 0 0 1,750
GE AEROSPACE COM NEW 369604301 1,117,452 2,990 SH SOLE 0 0 2,990
GENERAL MLS INC COM 370334104 486,712 13,986 SH SOLE 0 0 13,986
GILEAD SCIENCES INC COM 375558103 659,368 5,219 SH SOLE 0 0 5,219
GRAINGER W W INC COM 384802104 816,240 600 SH SOLE 0 0 600
INTERNATIONAL BUSINESS MACHS COM 459200101 4,584,004 16,301 SH SOLE 0 0 16,301
ISHARES TR S&P 100 ETF 464287101 3,325,758 9,090 SH SOLE 0 0 9,090
ISHARES TR SELECT DIVID ETF 464287168 4,645,321 29,720 SH SOLE 0 0 29,720
ISHARES TR CORE S&P500 ETF 464287200 128,383,233 171,431 SH SOLE 0 0 171,431
ISHARES TR S&P 500 GRWT ETF 464287309 6,417,219 46,660 SH SOLE 0 0 46,660
ISHARES TR S&P 500 VAL ETF 464287408 3,221,754 14,189 SH SOLE 0 0 14,189
ISHARES TR MSCI EAFE ETF 464287465 275,282 2,650 SH SOLE 0 0 2,650
ISHARES TR RUS MD CP GR ETF 464287481 535,567 3,658 SH SOLE 0 0 3,658
ISHARES TR RUS MID CAP ETF 464287499 2,606,310 23,625 SH SOLE 0 0 23,625
ISHARES TR CORE S&P MCP ETF 464287507 2,432,752 31,549 SH SOLE 0 0 31,549
ISHARES TR RUS 1000 GRW ETF 464287614 925,059 7,449 SH SOLE 0 0 7,449
ISHARES TR RUS 1000 ETF 464287622 5,253,066 12,828 SH SOLE 0 0 12,828
ISHARES TR RUS 2000 VAL ETF 464287630 631,747 2,856 SH SOLE 0 0 2,856
ISHARES TR RUSSELL 2000 ETF 464287655 720,479 2,398 SH SOLE 0 0 2,398
ISHARES TR CORE S&P US GWT 464287671 2,079,146 11,054 SH SOLE 0 0 11,054
ISHARES TR CORE S&P SCP ETF 464287804 2,693,661 18,162 SH SOLE 0 0 18,162
JOHNSON & JOHNSON COM 478160104 5,510,895 21,699 SH SOLE 0 0 21,699
LOWES COS INC COM 548661107 1,174,109 5,325 SH SOLE 0 0 5,325
MICROSOFT CORP COM 594918104 18,574,157 49,794 SH SOLE 0 0 49,794
NIKE INC CL B 654106103 535,127 13,036 SH SOLE 0 0 13,036
NORFOLK SOUTHN CORP COM 655844108 1,210,227 3,847 SH SOLE 0 0 3,847
PALO ALTO NETWORKS INC COM 697435105 6,223,615 18,250 SH SOLE 0 0 18,250
PEPSICO INC COM 713448108 3,164,433 23,371 SH SOLE 0 0 23,371
PFIZER INC COM 717081103 948,535 39,391 SH SOLE 0 0 39,391
PROCTER AND GAMBLE CO COM 742718109 3,188,100 21,741 SH SOLE 0 0 21,741
PROGRESSIVE CORP COM 743315103 14,480,176 66,286 SH SOLE 0 0 66,286
STARBUCKS CORP COM 855244109 1,587,419 15,534 SH SOLE 0 0 15,534
STRYKER CORPORATION COM 863667101 3,059,615 9,718 SH SOLE 0 0 9,718
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,446,494 14,565 SH SOLE 0 0 14,565
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 936,352 13,141 SH SOLE 0 0 13,141
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 461,700 7,734 SH SOLE 0 0 7,734
VANGUARD INDEX FDS GROWTH ETF 922908736 374,019 4,342 SH SOLE 0 0 4,342
VANGUARD INDEX FDS VALUE ETF 922908744 286,795 1,316 SH SOLE 0 0 1,316
VANGUARD INDEX FDS TOTAL STK MKT 922908769 333,036 900 SH SOLE 0 0 900
ALPHABET INC CAP STK CL C 02079K107 5,898,491 16,694 SH SOLE 0 0 16,694
ALPHABET INC CAP STK CL A 02079K305 7,670,947 21,465 SH SOLE 0 0 21,465
AMERICAN TOWER CORP NEW COM 03027X100 2,064,744 12,623 SH SOLE 0 0 12,623
BLACKSTONE INC COM 09260D107 2,258,087 19,190 SH SOLE 0 0 19,190
CISCO SYS INC COM 17275R102 2,455,501 20,905 SH SOLE 0 0 20,905
COSTCO WHSL CORP NEW COM 22160K105 1,847,553 1,975 SH SOLE 0 0 1,975
EXXON MOBIL CORP COM 30233Q108 2,594,752 18,978 SH SOLE 0 0 18,978
FEDEX CORP COM 31428X106 1,166,409 3,725 SH SOLE 0 0 3,725
GE VERNOVA INC COM 36828A101 817,702 696 SH SOLE 0 0 696
ISHARES TR CORE MSCI EAFE 46432F842 21,770,740 225,416 SH SOLE 0 0 225,416
ISHARES INC CORE MSCI EMKT 46434G103 23,180,695 279,824 SH SOLE 0 0 279,824
JPMORGAN CHASE & CO. COM 46625H100 2,001,950 6,116 SH SOLE 0 0 6,116
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 12,772,709 226,145 SH SOLE 0 0 226,145
MERCK & CO INC COM 58933Y105 802,868 6,248 SH SOLE 0 0 6,248
NOVARTIS AG SPONSORED ADR 66987V109 1,111,458 7,092 SH SOLE 0 0 7,092
NVIDIA CORPORATION COM 67066G104 2,127,556 10,633 SH SOLE 0 0 10,633
ORACLE CORP COM 68389X105 249,135 1,700 SH SOLE 0 0 1,700
SPDR S&P 500 ETF TR TR UNIT 78462F103 453,289 607 SH SOLE 0 0 607
SPDR SERIES TRUST STATE STREET SPD 78464A607 9,765,783 86,445 SH SOLE 0 0 86,445
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 3,065,906 5,869 SH SOLE 0 0 5,869
SALESFORCE INC COM 79466L302 855,206 5,459 SH SOLE 0 0 5,459
3M CO COM 88579Y101 822,017 5,077 SH SOLE 0 0 5,077
VISA INC COM CL A 92826C839 886,201 2,583 SH SOLE 0 0 2,583
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,406,464 14,602 SH SOLE 0 0 14,602
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 396,963 3,190 SH SOLE 0 0 3,190
EATON CORP PLC SHS G29183103 6,186,836 14,519 SH SOLE 0 0 14,519
MEDTRONIC PLC SHS G5960L103 1,112,352 14,219 SH SOLE 0 0 14,219
ISHARES TR MSCI USA MMENTM 46432F396 554,356 1,617 SH SOLE 0 0 1,617